RM Stock Overview
A diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 1/6 |
| Financial Health | 2/6 |
| Dividends | 3/6 |
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Regional Management Corp. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$33.86 |
| 52 Week High | US$35.24 |
| 52 Week Low | US$20.50 |
| Beta | 1.52 |
| 1 Month Change | 12.75% |
| 3 Month Change | 5.32% |
| 1 Year Change | 24.85% |
| 3 Year Change | -41.35% |
| 5 Year Change | 13.97% |
| Change since IPO | 105.84% |
Recent News & Updates
Recent updates
Regional Management Corp.'s (NYSE:RM) Shares Not Telling The Full Story
May 07
Regional Management: A Hold Despite Non-Prime Market Potential
Apr 18Regional Management (NYSE:RM) Will Pay A Dividend Of $0.30
Feb 11Regional Management Corp. (NYSE:RM) Soars 26% But It's A Story Of Risk Vs Reward
Dec 28Regional Management (NYSE:RM) Has Affirmed Its Dividend Of $0.30
Nov 12Regional Management Corp.: Delinquencies Rate Improves, But Not The Investment Case
Sep 26Regional Management (NYSE:RM) Is Due To Pay A Dividend Of $0.30
Aug 06Regional Management (NYSE:RM) Is Due To Pay A Dividend Of $0.30
May 07Regional Management expands operations in Idaho
Dec 21Regional Management Corp.: Robust Sales, Strong Margins, Stable Loan Book
Nov 03Here's Why Regional Management (NYSE:RM) Has Caught The Eye Of Investors
Oct 27Regional Management closes $200M asset-backed securitization
Oct 20Regional Management expands operations to Louisiana
Sep 13Regional Management goes ex-dividend tomorrow
Aug 22Should You Be Adding Regional Management (NYSE:RM) To Your Watchlist Today?
May 13Regional Management's (NYSE:RM) Dividend Will Be Increased To US$0.30
Feb 13Shareholder Returns
| RM | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -0.9% | -3.3% | -2.7% |
| 1Y | 24.9% | 47.4% | 23.4% |
Return vs Industry: RM underperformed the US Consumer Finance industry which returned 47.4% over the past year.
Return vs Market: RM exceeded the US Market which returned 23.4% over the past year.
Price Volatility
| RM volatility | |
|---|---|
| RM Average Weekly Movement | 6.0% |
| Consumer Finance Industry Average Movement | 7.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.9% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: RM has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: RM's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1987 | 2,081 | Rob Beck | www.regionalmanagement.com |
Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products.
Regional Management Corp. Fundamentals Summary
| RM fundamental statistics | |
|---|---|
| Market cap | US$344.13m |
| Earnings (TTM) | US$23.74m |
| Revenue (TTM) | US$556.73m |
14.5x
P/E Ratio0.6x
P/S RatioIs RM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| RM income statement (TTM) | |
|---|---|
| Revenue | US$556.73m |
| Cost of Revenue | US$223.46m |
| Gross Profit | US$333.27m |
| Other Expenses | US$309.53m |
| Earnings | US$23.74m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.34 |
| Gross Margin | 59.86% |
| Net Profit Margin | 4.26% |
| Debt/Equity Ratio | 394.2% |
How did RM perform over the long term?
See historical performance and comparisonDividends
3.5%
Current Dividend Yield48%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 12:14 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Regional Management Corp. is covered by 13 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Chiaverini | BMO Capital Markets Equity Research |
| David Chiaverini | BMO Capital Markets U.S. (Historical) |
| Vincent Caintic | BTIG |